Santa Rosa, CA · Cert 8468 · Frank P Doyle Trust Article Ix
State charter, non-member · FDIC · 19 branches
Q2 2026
Board Package
Performance Trends and Peer Comparison
Quarter: Q2 2026, the quarter ended June 30, 2026, on both parts.
Income statement: year to date as filed, annualized, on both parts.
Balance sheet: as filed at quarter end.
Banks $1B-$10B in assets (n=322 to 328). Each measure ranks only the institutions that reported it, so n varies by measure.
Peer groups below the disclosure floor are suppressed.
Capital
80
Asset Quality
29
Profitability
24
Liquidity
0
Efficiency
26
Growth
No peer data yet
Capital, Asset Quality, Profitability, Efficiency: higher is always a stronger peer standing (▲ better, ▼ worse). Liquidity, Growth: the score reflects closeness to the peer median -- 100 is sitting exactly at the median, falling the same way whether the bank runs above or below it.
Santa Rosa, CA · Cert 8468 · Frank P Doyle Trust Article Ix
State charter, non-member · FDIC · 19 branches
Q2 2026
Market Position · Santa Rosa-Petaluma, CA · 2026 SOD (annual) · 13.8% share · #3 of 14 inst. · $2.7B of $19.7B
Return on Assets (YTD, annualized)
Net Interest Margin (YTD, annualized)
Efficiency Ratio (YTD, annualized)
Tier 1 Leverage Ratio
Year to date, annualized, through each quarter.
| Metric | Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | YoY Δ | Trend |
|---|---|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||||
| Return on Assets | 0.60% | 0.71% | 0.68% | 0.77% | 0.86% | 0.91% | 0.91% | 0.91% | +14 bps | |
| Return on Equity | 7.58% | 8.90% | 7.72% | 8.45% | 9.19% | 9.50% | 8.62% | 8.44% | -1 bps | |
| Net Interest Margin | 2.35% | 2.35% | 2.50% | 2.60% | 2.65% | 2.67% | 2.95% | 2.98% | +38 bps | |
| Efficiency Ratio | 74.37% | 73.44% | 72.43% | 69.93% | 67.05% | 66.86% | 67.06% | 67.31% | -261 bps | |
| Non-Interest Burden | 1.57% | 1.55% | 1.60% | 1.58% | 1.51% | 1.52% | 1.73% | 1.75% | +17 bps | |
| Growth | ||||||||||
| Asset Growth (YoY) | 1.43% | -2.02% | -1.86% | -1.14% | -3.02% | 0.14% | -0.23% | -2.62% | -148 bps | |
| Loan Growth (YoY) | 0.72% | 1.50% | 0.88% | 2.19% | 6.48% | 6.97% | 8.12% | 7.31% | +512 bps | |
| Deposit Growth (YoY) | -3.44% | -0.22% | 2.82% | 3.43% | 2.47% | 1.52% | -1.76% | -4.21% | -764 bps | |
| Asset Quality | ||||||||||
| Nonperforming Loans / Loans | 0.37% | 0.69% | 0.75% | 0.32% | 0.17% | 0.92% | 0.86% | 0.55% | +23 bps | |
| Net Charge-Offs / Loans | 0.02% | 0.02% | 0.04% | 0.05% | 0.03% | 0.03% | 1.01% | 0.52% | +47 bps | |
| Allowance / Loans | 2.56% | 2.17% | 2.17% | 2.12% | 1.99% | 1.96% | 1.75% | 1.73% | -39 bps | |
| Allowance Coverage of NPLs | 6.9x | 3.2x | 2.9x | 6.6x | 12.0x | 2.1x | 2.0x | 3.1x | -3.4x | |
| Capital | ||||||||||
| Tier 1 Leverage Ratio | 10.90% | 11.07% | 11.53% | 11.67% | 11.81% | 11.86% | 12.34% | 12.64% | +97 bps | |
| Total Risk-Based Capital | 19.43% | 19.18% | 19.81% | 19.83% | 19.46% | 19.71% | 19.95% | 20.23% | +40 bps | |
| Equity / Assets | 8.62% | 8.51% | 9.20% | 9.67% | 10.06% | 10.49% | 10.72% | 11.16% | +148 bps | |
| Liquidity & Funding | ||||||||||
| Loans / Deposits | 56.88% | 57.14% | 55.82% | 56.94% | 59.11% | 60.21% | 61.43% | 63.79% | +685 bps | |
| Liquid Assets / Assets | 4.87% | 3.22% | 3.15% | 3.70% | 4.49% | 4.75% | 4.53% | 2.77% | -93 bps | |
| CRE / Total Capital | n/a | n/a | n/a | n/a | 264% | 271% | 271% | n/a | n/a | |
Santa Rosa, CA · Cert 8468 · Peer group: banks $1B-$10B in assets (n=322-328) · Frank P Doyle Trust Article Ix
State charter, non-member · FDIC · 19 branches
Q2 2026
Return on Assets
0.93%
Rank 244 of 328
Net Interest Margin
2.98%
Rank 254 of 328
Efficiency Ratio
67.31%
Rank 245 of 328
Equity / Assets
11.16%
Rank 123 of 328
| Metric | Your Bank | Peer 25th | Peer Median | Peer 75th | Standing | Rank | 8-Qtr Trend | Peer Position |
|---|---|---|---|---|---|---|---|---|
| Earnings | ||||||||
| Return on Assets | 0.93% | 0.91% | 1.22% | 1.52% | Beats 26% | 244 / 328 | ||
| Return on Equity | 8.33% | 8.43% | 11.45% | 14.43% | Beats 24% | 249 / 328 | ||
| Net Interest Margin | 2.98% | 3.03% | 3.45% | 3.83% | Beats 23% | 254 / 328 | ||
| Efficiency Ratio | 67.31% | 51.61% | 59.56% | 67.53% | Beats 26% | 245 / 328 | ||
| Asset Quality | ||||||||
| Nonperforming Loans / Loans | 0.55% | 0.24% | 0.51% | 1.03% | Beats 47% | 171 / 322 | ||
| Net Charge-Offs / Loans | 0.26% | 0.01% | 0.03% | 0.10% | Beats 11% | 287 / 322 | ||
| Capital | ||||||||
| Tier 1 Capital Ratio | 18.98% | 11.75% | 13.15% | 15.47% | Beats 88% | 39 / 328 | ||
| Total Risk-Based Capital Ratio | 20.23% | 12.63% | 14.15% | 16.46% | Beats 89% | 36 / 328 | ||
| Equity / Assets | 11.16% | 9.15% | 10.33% | 12.01% | Beats 63% | 123 / 328 | ||
| Liquidity & Funding | ||||||||
| Loans / Deposits | 63.79% | 76.63% | 87.92% | 95.36% | 9th pctl | 294 / 323 | ||
| Loans / Assets | 55.08% | 65.18% | 74.15% | 79.98% | 12th pctl | 289 / 328 | ||
| Brokered Deposits / Deposits | n/a | Not reported for this institution | ||||||